Leader
76Heralded Score, range 73–79
The most visible European neobanks in Europe, October 2026
Most cited source
211citations
From Google AI Mode, Gemini, Google AI Overviews and ChatGPT
Where engines disagree most
They agree
Every engine names the same top three.
Brands
Search is not measured for this board yet, so it ranks on AI answers.
| Rank | Brand | Rank change | Heralded Score All | AI | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 76 , range 73–79 | 76#1 | 76
| 79% | 50% | | First reading | |
| 2 | | New entry | 66 , range 60–71 | 66#2 | 66
| 63% | 41% | | First reading | |
| 3 | | New entry | 52 , range 48–58 | 52#3 | 52
| 54% | 27% | | First reading | |
| 4 | | New entry | 42 , range 39–46 | 42#4 | 42
| 40% | 17% | | First reading | |
| 5 | | New entry | 7 , range 5–13 | 7#5 | 7
| 7% | 4% | | First reading | |
| 6 | | New entry | 7 , range 5–10 | 7#6 | 7
| 7% | 3% | None | First reading | |
| 7 | | New entry | 6 , range 4–8 | 6#7 | 6
| 5% | 2% | | First reading | |
| 8 | | New entry | 5 , range 4–8 | 5#8 | 5
| 5% | 2% | | First reading | |
| 9 | | New entry | 5 , range 3–8 | 5#9 | 5
| 5% | 2% | | First reading | |
| 10 | | New entry | 5 , range 3–8 | 5#10 | 5
| 5% | 1% | | First reading |
“=” marks brands whose score ranges overlap, so the test cannot separate them. Every brand named in at least three answers is ranked. AI gives each brand’s score and rank from the engines’ answers; Search is not measured for this board yet. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.
Most cited sources
| Rank | Source | Type | Cited in | Engines | Pages cited | Brands its pages mention |
|---|---|---|---|---|---|---|
| 1 | | Brand site | 32.6% | 4 of 4 | 132 | 14 |
| 2 | | Brand site | 25.0% | 4 of 4 | 127 | 1 |
| 3 | | Brand site | 14.8% | 4 of 4 | 56 | 1 |
| 4 | | Brand site | 12.4% | 4 of 4 | 38 | 1 |
| 5 | | Brand site | 1.9% | 2 of 4 | 7 | 1 |
| 6 | | Brand site | 2.6% | 3 of 4 | 9 | 1 |
| 7 | | Brand site | 1.2% | 2 of 4 | 7 | 1 |
| 8 | | Brand site | 1.0% | 1 of 4 | 6 | 1 |
| 9 | | Brand site | 1.7% | 2 of 4 | 7 | Not read |
| 10 | | Brand site | 1.7% | 3 of 4 | 3 | 1 |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| Welche europäischen Neobanken sind am besten für Privatkunden? | German | |
| Wie kann ich mein tägliches Geld mit einer europäischen Direktbank verwalten? | German | |
| Wie kann ich in Europa bezahlen, ohne hohe Bankgebühren zu zahlen? | German | |
| Wie kann ich als Freelancer in mehreren Ländern Geld empfangen und ausgeben? | German | |
| Wie kann ich im Ausland bezahlen, ohne beim Währungsumtausch Geld zu verlieren? | German | |
| Wie kann ich mein Konto zu einer europäischen Direktbank wechseln? | German | |
| Welche Alternativen zu Bankfilialen gibt es, um in Europa meine Finanzen zu verwalten? | German | No brand recommended |
| Welche Alternativen zu traditionellen Banken gibt es für alltägliche Zahlungen in Europa? | German | |
| Ich bin Student und brauche ein digitales Konto für meine Ausgaben in Europa. Was eignet sich dafür? | German | |
| Ich bin selbstständig und möchte Zahlungen aus mehreren Ländern empfangen. Welche Möglichkeiten habe ich? | German | |
Each engine's top three
Related leaderboards
Method
Each leaderboard ranks brands on two sides. AI is how ChatGPT, Gemini, Google AI Overviews and Google AI Mode answer the board's buyer questions. Search is Google's top 10 results for the keywords behind those questions. All combines the two, where Search is measured.
For the AI side, each month Heralded asks every engine the same buyer questions, twice each, and reads every answer. An answer counts 0 for a brand it leaves out, 50 for a brand it names and 100 for a brand it recommends, and the Heralded Score is built from those. A brand named in at least three answers gets a score and a place.